External Mortgage Loan Officer

External Mortgage Loan Officer

We're Canvas Credit Union

We're passionate about transforming financial services. Our members, families, and the communities we call home motivate everything we do. As part of the credit union movement, we believe in providing our members with education, support, and guidance to build strong financial futures.

Why Canvas?

At Canvas, we're dedicated to transforming financial services from the inside out. Our culture is a top priority and second to none. We strive to balance hard work and high achievement with a fun, supportive environment.

What's In It For You?

This is the good stuff. Take a look at what sets Canvas apart from other financial institutions:

• We have seriously good benefits! Beyond healthcare, dental, and life insurance, we have a pretty sweet package. Canvas employees get up to a 10% company contribution to their 401(k), generous personal time off, and an employee discount on loans (that includes cars and homes)! This position is commission-only with expanded incentive compensation opportunities. The listed pay range ($27,144.00-$150,000.00 - final pay rate will be based on skills, education, experience, and internal equity factors) is subject to additional income potential based on top performing production. Canvas benefits include:
• Medical/Dental/Vision Insurance
• Paid Vacation
• Paid Sick Time
• Paid Holidays
• Paid Wellness Day
• Paid Volunteer Time
• Flexible Spending Account
• Health Savings Account
• World Class 401(k) Plan
• Tuition Reimbursement
• Rate Discounts on Qualifying Loans
• May be eligible for incentives or discretionary bonus based on results
• To help you reach your goals, we've added our Mortgage Coach tool which will help the Canvas External Mortgage Loan Officer drive conversations and educate borrowers on potential scenarios all through a beautiful display.
• This dream job is a career. The External Mortgage Loan Officer is a career at Canvas Credit Union. We invest in developing your skills and promote heavily from within. While we hope you stay with us until you retire, Credit Unions across the country collaborate with each other and hire from within.
• You'll make dreams come true. We promise we won't make you wear a fairy godmother costume, but you'll be feeling like one by the end of the day. You have the distinct honor of helping our members find the home they will build their life, raise their families, and create memories in. What could be better?

What You'll Do

The home base for this dream job is up to you! You have the flexibility to work from home as well as any branch in your assigned region. Translation: more friends for you! The following is a sneak peek into what an External Mortgage Loan Officer's day looks like:

• Consult with mortgage applicants to identify financial needs and offer solutions based on a review of income, credit report, collateral, assets and other relevant information. Request the appropriate documentation to make a qualified decision of approval or denial. Review and analyze information to determine if it meets Canvas lending guidelines and Secondary Marketing guidelines.
• Maintain a high level of service, consistency and professionalism by delivering Canvas Core Values to both internal and external members at every touch.
• Ensure exceptional member experience by overseeing loan process from origination to close and provide on-going weekly communication to members and business partners.
• Ensure compliance with industry standards, Canvas standards, state and federal laws and TRID disclosure regulations.
• Confirm rate locks with members and upload pricing worksheets into LOS. Receive Intent to Proceed and documents LOS.
• Upload member documentation into mortgage loan operating system.
• Submit complete and accurate loan application to processing.
• Re-disclose Loan Estimate based on TRID regulations and document necessary fields in LOS.
• Return member phone calls and emails the same day, but no later than the next business day after the message is received.
• Establish relationships with Realtors, Builders, Financial Advisors, CPA's, Accountants and other referral sources in targeted geographical market area for the purpose of soliciting mortgage loans for the credit union.
• Attend monthly Realtor meetings and events. Organize with business partners to sponsor events to introduce the credit union offerings.
• Update job knowledge by participating in educational opportunities, reading professional publications, maintaining personal networks and participating in professional organizations.
• Maintain a close working relationship with assigned branch managers and present mortgage updates and education at monthly branch meetings.
• Resolve member issues in a timely, consistent and professional manner.
• Meet established mortgage origination goals including initiating leads and closing referrals.
• Follow-up on all pre-qualified purchase loan requests to proactively meet member needs and keep member interest high.
• Attend all purchase closings or make arrangements for a Canvas mortgage representative to attend.
• Attend all Canvas Mortgage Team Member meetings or have prior approval from management for the absence.
• Follow-up with members after closing to identify additional needs or to answer questions.
• Identify cross-sell opportunities and educate members on credit union products and services.
• Comply with Bank Secrecy Act (BSA), S.A.F.E. ACT and other compliance requests and requirements.
• Embrace ongoing education and learn/apply new skills and software applications.
• Regular attendance and punctuality are essential functions of the job.
• Perform other job duties as assigned.
• This role at Canvas requires National Multistate Licensing System (NMLS) registration under the S.A.F.E. Act of 2008. This means we conduct background checks to ensure NMLS registration and Canvas requirements are met (not meeting or staying current may result in removal from role).
• Pre-employment background review (components include criminal, employment, address, social security number, motor vehicle record, global sanctions, and sex offender).
• Provide member service through face-to-face interactions on a daily basis.

Job Qualifications

Knowledge, Skill and Ability:

• Proficient knowledge of mortgage products and guidelines; stays abreast of loans, terms and credit options available.
• Proficient knowledge of Secondary Market, RESPA, TRID and MDIA guidelines
• Excellent verbal, written and interpersonal communication skills with the ability to explain programs, loan terms, features, policies and benefits to customers and business partners.
• Strong relationship building and teamwork skills.
• Strong attention to detail and excellent organizational skills; ability to manage multiple priorities.
• Demonstrated track record of success in sales and customer service.
• Excellent analytical and problem-solving skills.
• Solid knowledge and understanding of Canvas financial products and services.
• Must be proficient in MS Office (Outlook, Excel, Word).
• Ability to maintain confidences.
• Must have current NMLS S.A.F.E. ACT registration number.
• Must possess and maintain a valid Colorado drivers' license and provide proof of insurance.
• Must possess automobile for use to multiple locations.
• Multi-lingual capabilities to include Spanish are a plus.

Education or Formal Training: High school diploma or GED. Two-year college degree or completion of a specialized course of study at a business or trade school is preferable.

Experience: One to three years' mortgage lending experience.

We know you might not have every qualification we've listed. Passion and potential matter here. If you know you're right for the position, let us know. We're good at spotting talent.

For Current Canvas Employees: To be considered, you must be meeting performance expectations, consistently demonstrating HEART behaviors, and must submit an up-to-date resume or update your Work History profile with your current responsibilities and accomplishments.

Working Environment/Physical Activities

High volume, fast-paced, dynamic office environment with some travel. Must be able to work a flexible schedule Monday through Saturday and attend meetings and events outside of regular business hours. Must possess an automobile for use to travel to multiple locations. This includes but is not limited to applicant location, branches, and title company. The job routinely uses standard office equipment such as computers, phones, printers, copiers, fax machines and filing cabinets. The position requires manual dexterity, the ability to lift files and open filing cabinets. The position requires bending, stooping, or standing